Houston is known for its beautiful weather, but it’s also a city that experiences severe weather, especially during hurricane season. Every year, hurricanes can bring strong winds, heavy rain, and flooding that can cause serious damage to homes. Having the right home insurance in place is essential for protecting a house from the unexpected impacts of these storms. This blog will explain the role of Houston home insurance during hurricane season and how it helps homeowners stay protected.

Why Hurricane Season is a Big Concern for Houston Homeowners

Hurricane season in Houston lasts from June to November, with the highest risks typically in August and September. During this time, the city can experience severe storms that may cause flooding, roof damage, broken windows, and even destruction to homes. It’s important for Houston homeowners to understand the risks they face and ensure their home insurance provides enough coverage.

• Home Insurance for Storm Damage

Many home insurance policies cover damage caused by wind and hail. This type of damage can include torn roofs, broken windows, and other issues caused by strong winds from hurricanes. In Houston, homeowners are encouraged to review their policies before the storm season starts to make sure they are fully covered.

Most standard home insurance policies in Houston will include protection for wind damage, but homeowners should check with their insurance provider to confirm the details of their coverage. Additional protection may be needed for areas prone to severe weather.

• Flood Insurance: A Must for Houston Homes

While most home insurance policies provide coverage for wind damage, they usually do not cover flood damage caused by hurricanes. Since Houston is a flood-prone city, homeowners should consider purchasing separate flood insurance. This additional coverage is crucial because flooding is one of the most common causes of damage during hurricanes.

Flood insurance helps cover damage to the foundation, structure, and personal belongings that are affected by water. Without flood insurance, homeowners may have to pay out-of-pocket for repairs caused by flooding. The National Flood Insurance Program (NFIP) provides flood coverage for Houston residents, and it’s a smart choice to add this policy to a home insurance plan.

• Tree and Debris Damage

During hurricanes, strong winds can bring down trees and heavy debris, which may fall on a home and cause extensive damage. Most homeowners insurance policies will help cover the costs of removing fallen trees or branches that have damaged a home. However, it is important to check if the policy includes tree removal costs, as some may have limits on the amount of money for tree-related damage.

If a tree falls onto a house during a storm, the insurance will typically pay to repair the roof or walls. However, the homeowner is often responsible for the costs of removing the tree itself, unless the policy offers tree removal coverage.

Closing words 

Hurricane season in Houston can be a dangerous time for homeowners, but having the right home insurance makes all the difference. It will provide peace of mind during hurricane season, so homeowners can focus on their safety, knowing their home is protected.

For a quality home insurance policy in Houston, Texas that provides excellent hurricane coverage, you should contact Hart Insurance Group. Their team offers reliable options to protect your home against storm damage and ensure peace of mind during hurricane season.